What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Lend & Co

At Lend & Co, we provide one-on-one service to find the right loan for your circumstances - resident It has developed thanks to a commitment to helping others.

We are the property loan specialists, helping our clients to realise their dreams of homeownership or extend their portfolio across the residential and commercial property. Our story began with a passion for finance, numbers, and property. The approach we take is simple: offer the best customer service so clients can find the right loan for them. We provide personal attention and share expert knowledge so you can make the right decisions and achieve the best results, sooner. Contact us to find out more.

03/11/2026

Before your next lease renewal, it's worth comparing what you pay in rent with what it would take to buy your premises!

This calculation factors in more than rent against a loan repayment. Commercial lenders usually require a bigger deposit than for a home, up to 30% of the purchase price. Lenders mortgage insurance isn't available to cover a smaller deposit, and you'll need to budget for stamp duty and other purchase costs on top.

Owning gives you more control. Your repayments go toward an asset you own, and there's no lease renewal to negotiate or rent review.

Leasing has its advantages too. It keeps cash in the business, and it's easier to move if you outgrow the space.

The right choice depends on how long you plan to stay, how settled the business is, and what that deposit could do if it stayed in the business.

*General information only. Deposit requirements and lending criteria vary by lender.

01/11/2026

If you were pre-approved for a home loan over winter or early spring, check your expiry date this week.

Most pre-approvals are valid for around two to three months, depending on the lender. If yours lapses, you'd be making an offer or bidding at an auction without a current approval behind you.

Renewing usually means a fresh assessment. Expect to provide recent payslips and bank statements, and to tell the lender about anything that's changed, such as a new job, a new car loan or higher living costs.

The amount you're approved for can change as well. The cash rate has risen four times this year, and each rise can reduce what a lender will approve. The pre-approval you received a few months ago may not match what you'd get today.

Starting now gives you time to deal with any changes before you find the right property!

29/10/2026

If you find your next home before selling your current one, a bridging loan can help you buy without waiting for the sale!

You’ll carry debt on both properties until your current home sells. The sale proceeds then pay down that debt, and what’s left becomes your new home loan.

Bridging loans usually run for up to 12 months and are generally interest-only. Some lenders let you add the interest to the loan rather than pay it each month, so your balance grows until you sell.

The main risk is that your home takes longer to sell or sells for less than expected, leaving you with more debt than planned. If it doesn’t sell within the loan term, the lender may charge a higher interest rate and could ultimately sell the property to recover the debt.

Selling first avoids these risks, but you may need to rent temporarily or negotiate a longer settlement.
*General information only. Bridging loan terms vary by lender.

27/10/2026

Lenders usually assess your first commercial property on its own. By the second, lenders start looking at the whole portfolio.

That means your total debt, lease expiry dates, property type and location all matter. Two strong properties can still be harder to finance if both leases end around the same time, or your holdings are concentrated in one area or asset type.

It is also worth looking closely at your security structure. Cross-collateralising properties can make approval easier, but it can be difficult to unwind later if you want to sell one asset or release equity.

The ownership structure matters too. A company or trust that worked well for one property may not be the best fit once you are building a portfolio, and changing it later can create tax and duty issues.

Before you commit to property number two, review the structure around property number one. It is much easier to get it right now than try to untangle it later!

General information only and not tax advice. Speak with your accountant about duty and tax consequences before restructuring.

25/10/2026

You can still use an SMSF to buy business premises: a warehouse, workshop or shop, even after the August borrowing changes. New SMSF loans now only apply to business real property: property used wholly and exclusively in a business.

Your SMSF can lease it back to your own business, but the arrangement must be properly documented at market rent!

Borrowing uses a limited recourse borrowing arrangement (LRBA), which is more complex than a standard loan and usually needs a separate holding trust.

It suits established business owners with a solid super balance who can comfortably support the loan through rental income and contributions. Speak with your accountant and a specialist broker first.

General information only and not financial advice. SMSF borrowing carries significant legal and tax implications. Licensed financial and tax advice is recommended.

22/10/2026

Having a deposit is only part of the picture.

Before settlement, you may also need to budget for stamp duty, conveyancing, lender fees and, if your deposit is under 20%, lenders mortgage insurance.

For eligible Victorian first-home buyers, there is no land transfer duty on homes valued up to $600,000, with a sliding concession available up to $750,000.

Settlement is another detail worth understanding early. In Victoria, six weeks is common, but the date is negotiable, and a little extra time can sometimes be valuable to a seller!

We have put together a simple 10-step guide to buying your first home, covering what you can afford, available support, the people to line up and what happens between an accepted offer and moving day.

Grant and concession eligibility varies and is subject to change. General information only.

20/10/2026

The right lender can make a real difference to your application.

It is not just about comparing rates. Every lender has different policies around income, deposits, company structures and property types. The lender that suits one borrower may not suit the next.

Taking the time to match the loan to your situation can improve the chance of a smooth approval and help avoid unnecessary credit enquiries.

Thanks for the kind words, Mallikarjun, we’re glad we could assist you!

18/10/2026

A valuation below the contract price can slow a commercial purchase, but it does not automatically end the deal.

Commercial values rely on comparable sales, lease terms and the property’s income. With fewer comparable transactions than residential property, a specialised building, unusual location or short lease can affect the result.

Your options may include:
-Contributing extra funds to cover the gap.
-Checking the valuation for factual errors, such as an incorrect floor area, lease detail or missed comparable sale.
-Approaching another lender, as valuer panels and credit appetite can differ.
-Restructuring the deal using additional security or a different loan structure.

The important thing is to act early. A second valuation without a clear strategy can cost time and money, especially when your finance clause is running down!

When negotiating a commercial purchase, allow enough time in the finance clause for valuation and lender changes if needed.

15/10/2026

Commercial property rates currently start at around 6.25% p.a. for strong, straightforward owner-occupied deals. Investment, low-doc and more complex transactions are typically higher.

Unlike home loans, there is no single rate card. Two buyers purchasing similar properties can receive very different quotes.

Your rate usually comes down to:
- The lease: tenant quality, lease term and rental income.
- Your LVR: lower leverage generally means sharper pricing.

The property: standard warehouses, offices and retail premises usually price better than specialised assets.
Your position: trading history, income, cash flow and existing debt all matter.

If you looked at commercial finance a year or two ago, it is worth checking again. Lender appetite and pricing change, and so may the strength of your own position!

*Indicative only. Rates, fees, terms and approval depend on the security, LVR, borrower profile, documentation and lender criteria. Rates subject to change. Terms, conditions, eligibility criteria and lending limits apply.

13/10/2026

The negative-gearing and CGT changes are now law and begin on 1 July 2027. If you are considering an investment purchase, it is worth understanding the rules before you commit.

For established residential properties bought after 7:30pm AEST on 12 May 2026, rental losses will generally no longer be offset against your other income from July 2027. New builds are treated differently, while properties held before that date are grandfathered.

The 50% CGT discount is also being replaced with cost-base indexation and a minimum 30% tax rate on capital gains accrued from 1 July 2027.

This is not a reason to rush into a purchase. It is a reason to speak with your accountant before you buy, so you can weigh up the property type, timing and ownership structure under the new rules.

General information only and not tax advice. Details are current at the time of writing. Source: ATO guidance on the negative gearing and capital gains tax reforms. Speak with your accountant about your circumstances.

Address

Melbourne, VIC
3121

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.lendco.com.au/

Alerts

Be the first to know and let us send you an email when Lend & Co posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.